Affected by the epidemic, because the community was blocked, the income could not keep up with the expenditure, resulting in some people's credit information being defective, overdue or too many inquiries. So what should this type do if it needs funds?

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If you have nothing in your name, no fixed assets such as garage insurance and bills, and no soft power such as business license, punch card salary, social security and provident fund, then it is difficult to borrow from the bank in this case. Or the number of inquiries has passed, or the application is overdue, the probability of passing the loan will be greatly improved.

If you have a car in your name, you can mortgage it. Mortgage is not restricted by credit information, so the vehicle cannot be loaned unless it has been executed by the court. Normal, such as overdue, many inquiries and high debts, are not problems.

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If you have real estate in your name, it will be easier to raise money, but the interest rate will definitely be higher than in the case of good credit information. This is divided into full-term housing and mortgage housing. Under normal circumstances, the monthly interest of equal principal and interest is 6-7%, which is divided into three years, five years and eight years. The first interest, and then the first one-year interest is 1-1.28 cents. Pay only the interest of the current month every month, and repay the principal when it is due. It is an option for customers with poor credit information but in urgent need of a large sum of money.

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Financing, be cautious and do what you can. Customize different financing schemes according to different qualifications.

Related questions and answers: Where can I borrow money for urgent needs? Bad credit depends on the seriousness of the case and whether I can get a loan. You can bring your personal ID card and credit card voucher to the local people's bank to check your credit status and check the details of your credit record. If it is not included in the credit blacklist, it is still possible to apply for a loan successfully.